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Anderson - Answered a Question by Anderson (18 Sep 08 23:31)

Thank you for your replies,i was hoping someone could shed some light on why insurance companies restrict their liability to £5000pp surely they could could come up with a more realistic premium than the £1250 i was quoted by a cruise line to insure £16000 for what is a maximum of 12 weeks (time from final payment to sailaway? Twelve month comprehensive car insurance for 61year old male and 59year old female on £14000 car £175!

Hi Mr/Mrs Anderson. For my sins, I am an insurance broker by trade. Firstly, I'm sure that you realise that comparing the cost of motor insurance to the cost of travel insurance is like comparing the cost of a new TV set to the cost of a new pair of trousers.
Anyway, yours is a question that I have been searching for an answer to for a long while now. As many posts have pointed out, the cruise companies have no problem in providing insurance and interestingly enough their insurance products are provided by "standard" insurers such as Axa, Norwich Union, Royal & Sun Alliance etc., However, when I have approached them to acquire an agency to be able to sell their products I am quoted the standard limits (generally £5000 as you have pointed out) rather than the extended cover they provide to the cruise lines. I can only conclude at this point that this is an "arrangement" between the lines and the insurers which allows them to maximise their income.
Happily, (now that I've got that off my chest!) there is an insurer that offers cover specifically for cruise holidays who provide £10,000 cancellation cover PER PERSON (up to the age of 70yrs - £8,000 PP for over 70's) and I'm sure their charge will fall below your original quotation. If you want to give them a try, visit their website at www.pjhayman.com. Hope this helps.
Best Wishes, Tim.

It can prove difficult so you will have to shop around. It must be possible as there are a large number of people do the whole world cruise and I assume they are covered for cancellation. Oddly enough, most insurers are quite happy to extend the number of days you have cover but not the cost. i wish you luck. It took me ages but I am afraid my insurers ask that the arrangement I made was confidential.

Unless you are really well off I wouldn't ever recommend that you go uninsured. You can use the cruiselines own insurance or..... search. Your best bet is to look for annual, that is 12 months, insurance and negotiate terms. You should be insured from at least the time that your full payment becomes due, before that you just stand to loose your deposit. It can be done otherwise cruise lines couldn't offer the facilities they do but so much depends on your age, health and amount of cover needed. Regards .... Neil.